Most home owners are guilty of not knowing the details of their home insurance. Many a times people have found themselves in great difficulties, why? Because they did not take time to understand the things that were listed on the exclusion list of their policies and what it means. They are just content to have that policy because it is one of the requirements of their mortgagor.

As much as it's advisable for you to have broad coverage, too much coverage isn't advisable either. Take stock of your valuables on a regular basis and take note of their present market value. This exercise may show you that you have to buy more coverage but it could also show you have too much and therefore result in savings as you reduce to the right coverage limit for the time.

Are there certain risks that have you worried that you feel you need more coverage. If you fear collisions and the possibility of harmful injury or death then you may want more coverage for that situation.

Sue - Take a look at these two pictures of our earth and how the air circulates. Can't you see the air goes all around the earth. Air we breathe out in Arizona can end up over Brazil. I read that last century a volcano called Krakatoa erupted and people could hardly see for five years all over the United States. It caused crop failures in our Midwest. Did you know that when the meteorite came that destroyed the dinosaurs, the sun did not shine for five years? All over the earth from one meteor fall. What happens anywhere in the air affects the whole earth's air.

This is noteworthy although it's not typically part of a home insurance policy. Folks who buy homes in flood-prone areas pay around $400 yearly on Flood Insurance. Every mortgagor will demand that you buy it if your home is in a flood-prone region. Unless you are sure such additional expense is a wise compromise, you'll get lower rates if you buy a house in a locality that won't call for Flood Insurance.

Do not buy a house in an area that is notorious for crime. Insurers consider homes in such neighborhoods as high risks and high premiums are the only way they can guarantee they can carry the risk. Please, even if it seems a house is in a low crime neighborhood, still confirm to be really sure. You can find out by inquiring from an insurance agent. It does happen that the house on the adjacent street belongs to a high crime zone (by an insurance company's map) while yours is in a low crime zone.

Sue - We learned a lot about carbon emissions when we were doing our research. Carbon emission is the carbon dioxide we are putting into the air. That is called emitting carbon. To emit means to send out, release or give off. Like when we breathe, we emit carbon dioxide into the air. When we run our cars , we emit carbon dioxide. When we run our factories to make products, we emit carbon dioxide. When we burn anything we cause carbon dioxide to be emitted.

Houses in flood-prone places are not considered adequately insured without a flood insurance policy which will mean close to $500 every year. Every mortgagor will demand that you buy it if your house is in a flood-prone area. Unless you really think such extra spend is worth it, you'll do well to buy a home in regions that won't require flood insurance.

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​Davidson Calfee is the Owner and President of Operations, overseeing overall portfolio management, agency relations and new business generation. He has a natural ability to manage complex situations and achieve outstanding results for his clients.

Calfee is constantly looking for ways to improve professionally and has worked diligently to revamp his team’s handling of the needs and expectations of his clients.

Calfee specializes in developing, designing and implementing complex property catastrophe insurance programs for his clients. His market knowledge and client service skills have made Calfee a sought-after property resource for Massachusetts coastal residents.

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Our mission is to promote our clients and help them connect AND build longstanding relationships with members of the local community.

The Arthur D. Calfee Insurance Agency, Inc., is a 2nd generation, family run insurance agency with offices located in Falmouth & North Falmouth, Cape Cod, MA. Arthur began the business in 1980 out of his house, then soon grew to serving over 3,000 people in the area. The agency can offer various competitive Car, Home, Business, Disability & Life Insurance policies. Over the years, the agency has built strong relationships with various insurance companies to offer the most competitive policies in the region. They work with such companies as Arbella, Safety, Encompass, UPC, Plymouth Rock, Travelers, Preferred Mutual, CNA, Lloyds of London, Scottsdale, Lexington, & MPIUA just to name a few.

Davidson Calfee, President of Calfee Insurance grew up in the insurance business by working part-time in the family business.

After college, Davidson completed his Marketing Management Training Program at the Isle of Capri Casino Resort & Hotel located along the Gulf Coast in Biloxi, Mississippi. Then Davidson learned more about the insurance industry when Hurricane Katrina hit the Gulf Coast in September, 2005.

Learning from his past experiences with natural catastrophes, Davidson grew a natural passion to help his home town Cape Cod residents understand insurance and it's complexities.

Arthur D. Calfee Insurance Agency, Inc. is a friendly local insurance agency proudly offering Massachusetts, Cape Cod and the Islands. A-Excellent AM Best rating, A+ Excellent by the BBBUsing innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage. Need Home Insurance? Easy, Fast, & Secure Home Insurance. Get Free Quotes 100% Online Now! Available 24/7. Affordable Rates. Cover Your Biggest Investments. Get a homeowners insurance quote, find coverage options. We'll help you understand and customize the right home insurance coverage for you.

​Home is where your heart is—along with a healthy chunk of your net worth. Get started today with a free homeowner's quote.

​Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.